Khalid, Khalisa, Nor Baizura Osman, Mohd Khairul Azizol A Rahman, and Mohamad Shukri Johari. 2024. “An Analysis of Maybank Kuala Terengganu Low E-Payment Adoption Among Online Banking Users”. Gading Journal for the Social Sciences (e-ISSN 2600-7568) 27 (1):53-61. https://doi.org/10.24191/gading.v27i1.431.